IT innovators at Usalama Innovations Ltd are seeking to stem the rising tide of ATM related fraud with a new software that works together with the core banking software.The company's co-owners Dennis Karema and Tolbert an IT professional and a banker respectively decided to design a software that reduces the exposure of ATM users by limiting the proportion of funds that fraudsters can access. The software provides the user with a second pin number apart from the original pin which he reveals to fraudsters when requested. The second pin only allows them to withdraw certain per centage of the total amount in the account.